Need Advice for car insurance

[Walter]

Yup...
Gusto ko sana kasi sabay sila sa registration ko... which is march ... july this year kasi ako mag rerenew ng compre. If ever... para isahang gasto at isahang tpl na din... [emoji16]

You can request your insurance to adjust the date of coverage ...

[ray_noel]

You can request your insurance to adjust the date of coverage ...

Ang mangyayari kasi sir if i.adjust ang date coverage is from july2017-feb2018 hindi insured ang sasakyan na ni loan ko...


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[dr. d]

Yup...
Gusto ko sana kasi sabay sila sa registration ko... which is march ... july this year kasi ako mag rerenew ng compre. If ever... para isahang gasto at isahang tpl na din... [emoji16]


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tell them to cancel the insurance beyond march, refund you the remaining premium, and then insure your car "the way you want it".

[ray_noel]

tell them to cancel the insurance beyond march, refund you the remaining premium, and then insure your car "the way you want it".

This is what they qouted... for 2014 ecosport m/t... what you think about the package? However,Plan to sell my eco by december and by having a prem insurance with it will i think add value to a car as well for the new owner right?




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[dr. d]

My insurance will due on july and plano ko na isabay ko sila irenew by march which is my car registration renewal para sabay na...

currently 1year na lang utang ko sa bangko is it neccesary to get insurance? Is it required? Walang issue if hindi ko irenew ang compre ko muna?
Pero may TPL naman ako dun sa pag renew ko sa lto...




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the government requires tpl only.
the compre is required by the mortgage holder, to protect their interest.
if your car is fully owned by you and not mortgaged, only the tpl is required.

[ray_noel]

the government requires tpl only.
the compre is required by the mortgage holder, to protect their interest.
if your car is fully owned by you and not mortgaged, only the tpl is required.

Thanks doc! [emoji106] rereplyan ko na sa email yung car insurance agent... [emoji16]


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[Mikmik Man]

update ko ulit kayo mga boss.
na release check ko after 20days. mas maaga sana kung hindi sa province nanggaling yung cheke. pinadala pa sya sa main branch sa makati. malinis na 22k at walang less tax ang nakuha ko. hehe so nag pa repair ako 10k body repair lang yun. may tama pa kasi yung mags ko may pingas ini isip ko palit or paayos. hindi sya biayak pingas lang sayang kasi eh kung papalitan. paayos ko na lang tapos papalitan lahat ng pintura yung apat na mags since yung iba eh may mga guttermarks na.
may tira pang konti papa pogi pa hehehe.

[Archerfish]

update ko ulit kayo mga boss.
na release check ko after 20days. mas maaga sana kung hindi sa province nanggaling yung cheke. pinadala pa sya sa main branch sa makati. malinis na 22k at walang less tax ang nakuha ko. hehe so nag pa repair ako 10k body repair lang yun. may tama pa kasi yung mags ko may pingas ini isip ko palit or paayos. hindi sya biayak pingas lang sayang kasi eh kung papalitan. paayos ko na lang tapos papalitan lahat ng pintura yung apat na mags since yung iba eh may mga guttermarks na.
may tira pang konti papa pogi pa hehehe.

Good to hear that everything is settled.

[fleas2016]

Mine is set at 500K each.

Cathy, I am paying less and my coverage is higher. If you're a preferred client at any bank, try talking to their insurance partner and get a preferred rate for auto insurance.

*others, what does the 'Authorized Repair Limit' really mean for claims?

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[_Cathy_]

Mine is set at 500K each.

Cathy, I am paying less and my coverage is higher. If you're a preferred client at any bank, try talking to their insurance partner and get a preferred rate for auto insurance.

*others, what does the 'Authorized Repair Limit' really mean for claims?

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Oh. I get in house kasi

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[mylesvv79]

Question, do car dealers/bank which approved the car loan allow an independent (meaning not tied-up with the bank or dealer) customer-preferred insurance company for the car to be bought? I havent asked any car dealer or bank regarding this, but I want to know if there are any who has opted and allowed to get an independent car insurance. Thank you for any info

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[ray_noel]

Question, do car dealers/bank which approved the car loan allow an independent (meaning not tied-up with the bank or dealer) customer-preferred insurance company for the car to be bought? I havent asked any car dealer or bank regarding this, but I want to know if there are any who has opted and allowed to get an independent car insurance. Thank you for any info

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Yes! My car loan is at ucpb bank and my insurance company is generally... 🤣


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[dr. d]

Yes! My car loan is at ucpb bank and my insurance company is generally... ��


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...general insurance...?

but yes. you but have to ask them who are their prefered.

[ray_noel]

...general insurance...?

but yes. you but have to ask them who are their prefered.

Opo doc... if ever hindi nila type yung insurance company, may chance na ma reject ang car loan?


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[dr. d]

Opo doc... if ever hindi nila type yung insurance company, may chance na ma reject ang car loan?


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you know the golden rule,
"he who has the gold, makes the rules."

[iamtrev]

Hinge sana ako ng advice mga sir kung ano ba magandang gawin. Nabanga kasi ako ng ng Pampasaherong Bus. Since parehas walang umaako kung sino may kasalanan nagpunta kami sa police station nag pagawa kami ng police report. Tinatawagan ko yung bus driver eh ang sabi nya sa akin na yung management ng bus company ang madedecide hindi sya. First time ko kasi to kaya di ko pa alam gagawin ko. Nakausap ko yung insurance ko magpasa daw ako ng mga requirements ex. Police report, or cr, insurance policy at lisensya. Sabi nya pag na check na ng technical team nila at pa okay eh Tsaka pa lang lalabas ng LOA. Ask nya din kung saan kasa daw preferred ko. Ang tanong ko lang ay kung ano ba mgandang gawin dito para ma process ko sa insurance ko. I insist ko ba sa insurance ko na binanga ako or sabihin ko na lang self accident. Standard pala insurance ko. Salamat sa mga sasagot.

- madalas mas madali sir kung palalabasin nlng ng self accident...

[Aiai]

- madalas mas madali sir kung palalabasin nlng ng self accident...

Hello po. Update ko lang po. Salamat.

Bale ho nung nagpachange oil ho kami tapos pinaestimate na rin po namin yung mga gasgas. Dalawang kaso napagtripan wala po nasubmit na police report kasi paalis na yung asawa ko paabroad di naayos yung isa self accident po papalbas ng gate nagasgasan dahil po sa bato ang inilagay na case wala rin pong report . Minor dents lang lang namn tsaka yupi yung nakitang aayusin. Estimate po ng casa 59k. Lumabas na din po yung loa.


Approved gross repair cost- 22k plus
Deductible- 7k plus
Yung com. Net liability po - 14k na lang.

Tanong ko po.

1.Yung 14k lang po yung shoulder ng insurance?yung iba po ehh samin n?

2.expected po naming participation 3k lang po, ano po yun per case yung participation?

3.paexpire na rin po yung loa eh inantay namin yung tawag ng casa nalimutan daw eh yung policy pong ginamit dun expire na nagrerenew pa lang po kami. Installment

4.kung sa casa po ba sa casa talaga pwede bang ilipat ng accredited shop since irerenew naman po yung loa?

5.pano po yung icacash tapos sa accredited shop po. Ipagawa? Pwede po ba?

ano po kaya magandang gawin?

Sensya na po di maalaman 1st timer magclaim. Salamat.

[dr. d]

this is what i understand:
the estimated cost of repair is 22K.
your participation fee is 7K.
22-7=14 more or less.
you will be forking over 7K, as participation fee.
tama ba? check with your insurance po, if correct ito.

from what i understand, these insurance firms have a stable of approved shops.
instead of asking here at tsikot, why not ask the insurance guys themselves?
they might even point you to an approved shop that will fix the car "at more favorable conditions to you".

errr... what is your car in question, po?
kasi, if the car is practically new, the casa repair may be justifiable.

[_Qwerty_]

59K siguro estimate nang casa (kasama parts for replacement)
22K na approved nang insurance kasi repair na lang hindi na for replacement nang parts
7K ang participation mo - eto lang ang babayaran mo.. baka 3.5K per case.. since magkaibang location nung damage mo kaya x 2

[dr. d]

59K siguro estimate nang casa (kasama parts for replacement)
22K na approved nang insurance kasi repair na lang hindi na for replacement nang parts
7K ang participation mo - eto lang ang babayaran mo.. baka 3.5K per case.. since magkaibang location nung damage mo kaya x 2

this is weird.
some insurances say the participation fee is for the event, while others say it is per panel.
curious...